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Maryland is the only state to regulate hospital stay costs and has much less expensive healthcare as a result. In a 2018 commonwealth study, Maryland ranked 20th in the nation for healthcare overall and is ranked 3rd out of all the states for high out-of-pocket costs. In addition to affordable healthcare, the natural and historic attractions make up a rich local culture, and a mild climate and numerous outdoor activities all combine to make the state attractive to retiring seniors.

Directory of Assisted Living Facilities in Maryland

Researching as many assisted living communities as possible before choosing one is an important step which shouldn’t be overlooked. See our directory of 597 assisted living facilities in the state of Maryland to start that process. Locate information about amenities, size of the facility, pricing, health insurance, and more using the tool below.

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How to Pay for Assisted Living in Maryland

Determining how to finance assisted living often starts with the question, “What’s the cost?” In today’s economy, where inflation plays a significant role, having current data is crucial for senior living financial planning. has gathered cost information from its expansive network of over 75,000 senior living providers. This data offers a glimpse into the average expenses for assisted living in Maryland and 34 additional cities within Maryland.

How Inflation Has Impacted the Cost of Assisted Living in Maryland

Due to inflation, many states saw senior living costs increase. In Maryland, the cost of assisted living rose 10.5%, jumping from $4,613 in 2022 to $5,091 in 2023, which is higher than the national rate increase of 10%. The neighboring states of Pennsylvania and West Virginia saw significant rate increases of 19% and 23%, respectively.

Projections show that assisted living costs in Pennsylvania are expected to rise slightly in 2024 to $5,153. While both Virginia and Delaware noted decreases in assisted living costs from 2022 to 2023, these rates are expected to increase in 2024 by 9% and 6.5%, respectively.


Location 2022 Cost (Historical) 2023 Cost (Current) 2024 Cost (Estimated)
Maryland $4,613 $5,091 $5,153
U.S. Average $4,070 $4,459 $4,802
Delaware $5,264 $4,587 $4,885
Virginia $4,641 $4,604 $5,013
West Virginia $4,198 $5,173 $5,183
Pennsylvania $3,908 $4,653 $5,016

Assisted Living Costs in Maryland's Top Cities

Assisted living costs vary significantly across the state of Pennsylvania. For instance, assisted living costs in the city of Baltimore are $1,723 higher per month than costs in the smaller city of Frederick. In Rockville, monthly assisted living costs are $5,030, which is on par with the state average costs of $5,091 per month. Assisted living costs in Annapolis, the state capital, are $122 lower than the state average.

The Cost of Other Types of Senior Living

Senior living costs are often based on the types of services provided. In Pennsylvania, independent living is the most affordable option at $3,484 and is ideal for seniors who can care for themselves. Those requiring supportive services, such as assistance with daily activities, may opt for assisted living, which averages $5,091 per month. Seniors facing memory loss issues may require specialized memory care services, which cost slightly more than assisted living, at $5,489 per month.

Financial Assistance for Assisted Living in Maryland

Elderly, disabled and low-income residents of Maryland are eligible for medical payment assistance. Maryland has several programs available to help assist long-term care expenses, including the cost of assisted living facilities.

Senior Assisted Living Group Home Subsidy Program

Maryland’s Department of Health and Mental Hygiene provides the Senior Assisted Living Group Home subsidy for elder residents of Maryland that are in need of assisted living but require financial assistance to avoid moving into a nursing home. The subsidy will pay a licensed, registered assisted living facility up to $650 a month, while residents will give the facility all of their income minus a $60 monthly allowance deduction. The subsidy covers the costs of services provided in assisted living, such as meals, 24-hour supervision and personal care for frail residents who desire to live as independently as possible.

Who Is Eligible?

An applicant must be 62 or older and in medical need of assistance with one or more activities of daily living (ADLs), such as bathing, dressing, and eating. Financial eligibility requirements include a maximum asset limit of $11,000 for single adults or $14,000 for a couple. Additionally, monthly income must be under 60% of the state median income.

How to Apply

Contact your nearest Area Agency on Aging to discover program availability and to request an application.

HCBS Waiver

The Home and Community-Based Services (HCBS) waiver provides financial assistance to those living in the community or assisted living facilities who are in need of skilled care for 1 or more ADLs. There are enough funds to support a maximum of 3,000 participants.

Who Is Eligible?

Eligibility is determined based on age, health, and income. Applicants must be over age 50 and meet long-term care admission requirements like needing ADL assistance. There are strict income guidelines, as this program is federally funded. The maximum monthly income is 300% of the SSI maximum and applicants may have no more than $2,000 in assets.

How to Apply

The first step to receive the HCBS waiver is to apply for Medicaid by calling 1-855-642-8572 or by visiting Maryland’s Medicaid website. If you have already applied for Medicaid, please contact your nearest Area Agency on Aging for a referral to the HCBS waiver program.

More Ways to Finance Assisted Living

Some additional ways to finance assisted living costs include:

  • Veterans Benefits: Veterans can take advantage of several different pension programs to help cover the cost of assisted living. For more information, see the article on
  • Life Insurance Policies: Even if a spouse or loved one hasn’t died, certain types of life insurance policies can be used to pay for assisted living. More information is available at
  • Long-Term Care Insurance: Long-term care insurance is a type of insurance policy that pays for long-term care when it becomes necessary, including the cost of assisted living. For more information on the benefits and drawbacks of this financing method, visit
  • Reverse Mortgages: Reverse mortgages allow seniors to access the equity from a home that they own, and these funds can be used to pay for assisted living. The U.S. Department of Housing and Urban Development offers a federally insured reverse mortgage program.

Free Assisted Living Resources in Maryland

In Maryland, a multitude of resources are available to support seniors during their retirement years. has gathered data on various local entities, initiatives, and agencies, and organized them according to the type of care they provide for effortless navigation.

Area Agency on Aging

Your local Area Agency on Aging is a valuable resource for retirees, offering guidance on financial aid, in-home care, and long-term care planning. They also link seniors and caregivers to community resources.

Program Name Phone Number Description
Maryland Area Agencies on Aging Maryland’s Area Agencies on Aging are nonprofit organizations dedicated to supporting the needs of older adults, their families, and caregivers throughout the state. They provide a variety of services and programs that promote independent living and improve seniors’ quality of life. These include personalized care planning, home-based services, transportation assistance, meal programs, information and referral services, benefits counseling, and caregiver support. Maryland’s AAAs ensure that seniors have access to the resources they need to age with dignity.

Cash Assistance Programs

In Maryland, financial aid programs are available to support low-income seniors in maintaining their home-based living. These programs offer tax relief, essential service discounts, and assistance with home heating and cooling expenses.

Program Name Phone Number Description
Maryland Lifeline Program 800-234-9473 The LifeLine Program provides discounted telephone service, allowing participants to maintain communication with their loved ones via landline or mobile phones.

Financial Assistance for Senior Care and Senior Living

Seniors in Maryland, whether residing independently or in a senior living facility, have access to various local financial aid options. These entities assist in offsetting certain in-home or long-term care expenses and link them to beneficial community resources.

Program Name Phone Number Description
Maryland Access Point (MAP) 844-627-5465 Maryland Access Point locations provide valuable assistance in locating community-based programs that can help you. Discover the various assistance programs available in your community with the help of Maryland Access Point.

Financial Assistance for Senior Living

Financial aid is available for low-income seniors in Maryland living communities through local programs. These resources provide valuable assistance, helping older adults afford long-term care services.

Program Name Phone Number Description
Maryland Senior Assisted Living Subsidy Program 410-767-1100 Seniors aged 62 and above, who are considering Nursing Home placement, can now receive a direct financial subsidy to assist with the cost of Memory Care. The subsidy covers up to $1,000 per month and is available to moderate-income seniors who may not qualify for traditional Medicaid programs. Financial eligibility limits apply. This program offers an alternative solution for seniors seeking quality care.

Food Assistance Programs

In Maryland, various local initiatives are dedicated to promoting senior health through balanced nutrition. They offer services like meal delivery, communal dining, and food banks, ensuring elderly residents have access to affordable, nutritious food.

Program Name Phone Number Description
Maryland 211 Food Pantries Low-income seniors in Maryland have access to a variety of free and affordable food options if they are able to leave their homes. Food pantries and banks across the state offer a range of nutritious produce, grains, and other essential items, with no eligibility requirements.
Maryland Meals on Wheels Maryland Meals on Wheels provides nutritious meals to seniors aged 60 and above who have limited mobility. Eligibility is open to those who struggle with grocery shopping and meal preparation. Home-delivered meals offer daily visits for social interaction and safety checks. Congregate meals are served at local senior centers and are available on a sliding fee scale.
Maryland Supplemental Nutrition Assistance Program (SNAP) 800-332-6347 SNAP provides a versatile card that can be utilized at various establishments, including grocery stores, convenience stores, online food delivery services, and select restaurants.

Free Used Medical Equipment

In Maryland, numerous groups are addressing the steep expense of new medical equipment. They gather gently used items like wheelchairs, ramps, and walkers, providing them to local seniors and individuals in need.

Program Name Phone Number Description
Maryland Durable Medical Equipment Re-Use Program 240-230-8000 The Durable Medical Equipment Re-Use program in Maryland collects donated equipment from various sites and distributes it to seniors in need. The program offers a range of basic and complex DME, including canes, bedrails, power wheelchairs, home hospital beds, and mechanical lifts.
Maryland Assistive Technology Reuse Center (MATR) 443-326-9703 The Maryland Assistive Technology Reuse (MATR) Center offers free high-tech assistive equipment to individuals with disabilities. Supported by donations, MATR provides pre-owned assistive technologies with the condition that they are returned once no longer needed. An online inventory is available, featuring assisted vision equipment, assisted listening devices, and augmentative and alternative communication devices for those with speech impediments.
Maryland Free White Cane Program 410-659-9314 The Free White Cane Program by the National Federation of the Blind offers free canes to visually impaired seniors across the United States, including the District of Columbia and Puerto Rico. Eligible seniors can request a cane online every 6 months, ensuring they have the right size for their needs. Visit the National Federation website for more information on sizing and to submit an application.

Health Insurance & Prescription Drug Coverage for Seniors

Seniors in {} with specific income levels can tap into local resources for prescription drug cost assistance. They may also qualify for health insurance and other schemes offering free or discounted medical services.

Program Name Phone Number Description
Maryland Senior Prescription Drug Assistance Program (SPDAP) 800-551-5995 The Maryland Senior Prescription Drug Assistance Program (SPDAP) was created in 2005 to support senior Medicare recipients. It provides a monthly payment towards their prescription drug plan premium. Eligibility requires income below (or at) 300% of the federal poverty level and residency in Maryland for at least 6 months. Applicants must already be enrolled in a Medicare prescription plan.

Home Repair and Modifications

In Maryland, numerous programs are available to aid seniors and individuals with disabilities in financing home modifications and repairs. These programs, offering grants or loans, have diverse eligibility requirements specifically designed for retirees.

Program Name Phone Number Description
Maryland Weatherization Assistance Program (WAP) 855-583-8976 The MWAP assists Bowie homeowners in enhancing their homes with energy-efficient upgrades, resulting in reduced electric bills, improved home safety, and enhanced quality of life. Upgrades may comprise new lighting, water heaters, and insulation. Eligibility is based on income, with automatic eligibility for all Marylanders receiving SSI.
Maryland Accessible Homes for Seniors 844-369-4150 This program offers seniors zero-interest loans and grants to make necessary modifications to their homes. The funds can be used for accessibility improvements like widening doorways, installing ramps, and adding grab bars in bathrooms. The maximum loan amount is 110% of the property’s value.

In Maryland, numerous agencies provide affordable or complimentary legal assistance to the elderly. They offer counsel on matters like estate management, living wills, and power of attorney. Some even serve as advocates for seniors’ rights in long-term care facilities.

Program Name Phone Number Description
Maryland Legal Aid 866-635-2948 The Senior Legal Helpline by Maryland Legal Aid provides counseling and advice to elderly individuals, assisting them in finding pro bono representation for civil matters. While it does not cover criminal cases, the helpline also offers services such as document preparation and assistance with divorce or bankruptcy filings.
Maryland Long-Term Care Ombudsman Program (LTCOP) 301-265-8483 Prince George’s County offers various long-term care programs for seniors. The Senior Assisted Living Subsidy provides financial aid to low-income seniors who need assistance moving to an assisted living facility. The Senior Care Program offers at-home support to seniors at risk of nursing home placement. Services include home-delivered meals, respite care, medication assistance, personal care, adult day care, and emergency response systems.

Medicaid Resources

Understanding Medicaid can be challenging, especially for seniors. Numerous resources in Maryland offer guidance on Medicaid choices, waiver schemes, and eligibility requirements, ensuring older adults secure appropriate health care benefits.

Program Name Phone Number Description
Maryland’s Community First Choice Program 877-463-3464 This program offers a range of services to help seniors stay in their homes, such as personal assistance, home-delivered meals, accessibility adaptations, assistive technology, and support planning. It also includes nurse monitoring and other home health services.

Senior Centers

In Maryland, senior centers serve as a hub for older adults, providing recreational activities, events, and valuable resources. These centers also offer wellness programs, nutritional guidance, and assistance with senior-related concerns.

Program Name Phone Number Description
Maryland Bay Area Center for Independent Living 443-260-0822 The Bay Area Center for Independent Living, Inc., a nonprofit agency in Salisbury, MD, facilitates connections between adults with disabilities and their families to services and programs across nine counties. The center collaborates with the Maryland Technology and Assistance Program to offer temporary ramps for wheelchair accessibility at homes. Workshops and resources are also provided to assist disabled individuals in navigating the social security system.

Social Security Offices

In Maryland, Social Security offices provide essential services to seniors and individuals with disabilities. They offer guidance on retirement benefits, disability allowances, and Supplemental Security Income.

Program Name Phone Number Description
Maryland Social Security Social Security provides income for retirees and individuals unable to work due to disability. Funding is derived from payroll taxes paid by employers, employees, and self-employed individuals. Upon retirement, monthly payments are determined by previous earnings.

Tax Assistance

Numerous tax aid resources are available in Maryland for senior citizens and individuals with disabilities. These include potential exemptions on medical costs, property tax reductions, and other tax relief initiatives.

Program Name Phone Number Description
Maryland Homeowners’ Property Tax Credit Program 410-767-5900 The tax credit program offers seniors a way to reduce their property tax burden by considering their income. This credit is directly applied to homeowners’ tax bills and is not applicable to property values exceeding $300,000.

Utility & Energy Bill Assistance

Organizations are available to aid low-income seniors in {} struggling with home maintenance costs, including utility and energy bills. Emergency funding may also be accessible for those at risk of utility service termination due to unpaid bills.

Program Name Phone Number Description
Maryland Low Income Household Water Assistance Program (LIHWAP) 800-332-6347 Seniors facing financial difficulties that may result in water service disconnection can seek aid from LIHWAP. This program offers eligible households up to $2,000 to cover water and wastewater expenses. Applying for LIHWAP is convenient, with options to apply online or via phone.
Maryland Utility Assistance 800-332-6347 The Maryland Office of Home Energy provides financial assistance to low-income families struggling to pay their electricity or heating bills. The program directly covers utility expenses for those in need, without requiring a turn-off notice for eligibility.

Veteran’s Services

Veteran services in Maryland offer invaluable assistance to retired military personnel. These local entities guide veterans in utilizing their rightful benefits and provide counsel on diverse matters.

Program Name Phone Number Description
Maryland VA Benefits and Health Care Maryland’s VA Benefits and Health Care program supports senior veterans with medical centers in Baltimore, Perry Point, and other locations statewide. Eligible veterans can access service-connected disability support, physical therapy, hearing and vision care, cancer treatment, and pain management. The program also assists with navigating VA benefits, compensation, and social services, including guidance on senior housing options and financial planning.

Assisted Living Laws and Regulations in Maryland

Maryland’s Department of Health defines and enforces strict regulations regarding assisted living. Different areas of regulation include staffing requirements like training and background checks, medication management, and facility requirements.

Assisted Living Negotiated Service & Admissions Agreements

A negotiated resident agreement must be completed with every resident 30 days prior to admission using the Resident Assessment Tool. Information in this agreement includes:

  • Initial Uniform Assessment findings such as height, weight, and medications
  • The scope of care needed for the resident
  • Financial information like costs of services to be provided
  • Physicians orders and the patient’s medication list
  • Overnight supervisory requirements or electronic devices used to monitor residents overnight
  • Other identified needs

Assisted Living Admission Requirements

There are limitations on the level of care that can be provided in an assisted living facility (ALF). Individuals that are determined to be a public safety risk, such as carriers of infectious diseases, may not be admitted into an ALF. Assisted living facilities are designed for residents who want to live in an apartment-style residence but require assistance with one or more activities of daily living (ADLs).

Assisted Living Scope of Care

ALFs in Maryland may provide care based on three levels of services: Low, moderate, and high. The levels of care are used to define service requirements such as medication assistance and behavioral concerns like wandering. A resident who needs assistance with 2 ADLs or less are low or moderate, further assistance would require an approved waiver to keep the resident in the facility, proving that the extra care would not cause problems for other residents or undue stress on the staff.

Residents are able to contract with third-party services to received specialized care while remaining in the ALF. Any third party provider must be included in the resident agreement.

Assisted Living Medicaid Policy

Elderly or disabled residents of Maryland may qualify for assisted living reimbursement through the HCBS waiver program, and they must qualify for level II or III service needs. These residents will be provided with 24-hour supervision and will receive a visit by an RN every 45 days to verify service requirements are being met.

Assisted Living Facility Requirements

Residents may live in single or double occupancy rooms with a minimum of 80 or 120 feet of functional space, respectively. Restrooms with locking doors must be provided, with at least one toilet for every four residents. There must be one bathtub for every eight residents.

Medication Management Regulations

There are strict protocols regarding medication management in an ALF. Residents using over 9 medications, including over-the-counter medications will have their prescriptions evaluated every 6 months by an RN or pharmacist. All trained staff must document the length and scope of their training. In the event that an untrained person assists in the taking of medication, the event must be documented as well as why they weren’t required to take training prior to assisting the resident.

Staffing Requirements

There is no minimum staff to resident ratio in Maryland, but there must always be staff available. Residents that need supervision overnight must be provided access to a 24/7 supervising staff member. If there is a resident with overnight care needs or supervision requirements, there must always be at least one staff member awake in the facility. As long as there are no night care orders, staff may sleep at night, ready to awaken if needed. If a doctor orders, a resident may be provided an electronic monitoring device instead, and this must be included in the resident’s plan.

There must always be a staff member on-site, and a registered nurse must be contracted with the ALF as a delegating nurse to oversee services through a visit every 45 days. On-site nurses are required only by doctor’s orders. The ALF manager must be on-site or available on call at all times.

Staff Training Requirements

All residential care staff are required to undergo orientation training as well as continued education while they work in an ALF. Training is to include CPR and first aid by a certified instructor and other topics such as fire safety, infection control, and the health psychosocial needs of older adults.

Assisted living facility managers are required to have at least a high school diploma, and a 4-year degree for facilities licensed for level III services. The manager of any ALF with 5 or more beds must complete an additional ALF manager training program. This program must be at least 80 hours long with no more than 25 of those hours being online or through mail correspondence. Topics in management training include the aging process, clinical management, assisted living philosophies, and appropriate staffing management.

Background Checks for Assisted Living

Background checks and criminal history screens are required to be completed by all staff 30 days prior to employment at any ALF in Maryland. Applicants to work in an ALF can have no criminal convictions or criminal history indicating behavioral concerns that could pose a threat to residents.

Requirements for Reporting Abuse

A staff member or licensee of an ALF is required to report any witnessed or otherwise perceived abuse, neglect or financial exploitation to the proper authorities within 24 hours. All reports are made to the Maryland Office of Health Care Quality, the appropriate law enforcement agency, and the local Area Agency on Aging or Department of Aging. A penalty of up to $1,000 is made on any staff that does not comply with this law. Upon investigation, referrals may be made to the State Attorney General or the Medicaid Fraud Control Unit. To report abuse, contact your local LTC Ombudsman.

Maryland COVID-19 Rules for Assisted Living Facilities

Note: The following information was compiled and most recently updated on 2/8/22. Since COVID-19 is a rapidly evolving crisis, be sure to contact your assisted living facility or local Area Agency on Aging for the most up-to-date information.

COVID-19 Rules in Maryland
Are loved ones allowed to visit residents in their assisted living community? Yes (Conditions Apply)
Are residents required to quarantine after their loved ones visit? No
Are loved ones required to wear masks when visiting residents? Yes
Are Hairdressers and other non-medical contractors allowed in assisted living communities? Yes
Are visitors screened for elevated temperatures before entering the assisted living community? Yes
Are residents allowed to leave the assisted living community for non-medical reasons? Yes
Are residents who leave required to quarantine when they get back to the assisted living community? No (Conditions Apply)
Are assisted living communities required to cancel all group outings? No
Are assisted living communities allowed to host group activities within the community? Yes (Conditions Apply)
Are staff members regularly checked for elevated temperatures? Yes
Are staff members regularly tested for COVID-19? Yes (Conditions Apply)
Are residents regularly screened for COVID-19 symptoms? Yes
Are residents regularly checked for elevated temperatures? Yes
Are residents regularly tested for COVID-19? Yes (Conditions Apply



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